Insurance for photographers

Secure photographer liability insurance quickly and without fuss. We're simply-priced, flexible and upfront.

Pay as you go
Low prices, no extra charges or fees
Change or cancel anytime
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Insurance for photographers.
Insurance for photographers.
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Priced in a Jiffy
Red spare change.
subscription model
Red beach umbrella.
with holiday mode
The problem

Self-employed photographers face many risks

Upset or loss caused by your work

The work of a photographer is rewarding but also connected with certain responsibilities - deliver on time, meet high expectations, please everyone involved, cause no disruption.

A man in a suit walking with slumped shoulders.

Injury from lights or studio gear

Where scissors, chemicals and heat are used, an accident can happen at any time no matter how careful and well trained you are.

Damage to your camera and equipment

Sometimes an unhappy client might decide to claw back what they've paid you by initiating a chargeback. If it is a substantial amount, you'll need help to fight it.

Accussation of overstepping the boundaries

During a one on one sessions you say something that's taken the wrong way. As a result you may find yourself facing a legal claim.

You need photographers liability insurance that's flexible, easy to change and competitively priced.

the suited way
Insurance simplified

Our mission is to see small business insurance done fast, clear, upfront and painless.  

4 step quote

Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

A man in a suit jumping for joy.
Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

Get help when you need it from our Bristol based team.

covers to consider

What insurance do photographers need?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers photographers should consider include:

Professional indemnity

Provides you with legal defence against claims of professional mistakes, breach of confidentiality or saying the wrong thing.

Public liability

Protects your business against claims of causing an injury or property damage to a third party.

Electronic business equipment

Pays for repair and replacement of portable business equipment (and accessories) you need to do your work.

Finding the right cover

Is photographers liability insurance important?

Yes. As a freelance photographer you carry the responsibility for every aspect of your business. The responsibilities of a photographers can quickly become anxieties if you’re facing a claim from a dissatisfied client and you haven’t got photographers liability insurance to fall back on.

Professional indemnity insurance for photographers

Whether you are a photo journalist, do weddings or commercial photography, the end result is considered art and as such the expectations of your clients are sky high.

If you drop one of the many balls you have to juggle on a daily basis, you’ll be faced with an emotive client demanding something of you to remedy your mistake.

And there could be a number of reasons why a client might feel entitled to a financial compensation:

  • you missed the deadline and perhaps your client promotional event couldn’t go ahead. They’re now claiming a financial loss.
  • you lost the entire photo file from someone’s wedding or the end result is deemed unacceptable by your client and they’re refusing to pay.
  • the photographs you took cause an offence and you’re being sued for damages
  • the artistic interpretation was misjudged and you damaged someone’s brand or reputation
The list could go on and any of these scenarios lead to sleepless nights and high legal or compensation costs.

Professional indemnity insurance for photographers protect against those and many more scenarios.

Public liability insurance for photographers

However, for a solid legal protection you should also consider public liability insurance for photographers. The nature of most photographers’ work involves working with the public.

Accidents happens, someone takes a step too far and falls over or the equipment causes an injury. If that happens, you might be looking at a demand for compensation.

How does public liability and professional indemnity insurance for photographers work?

Professional indemnity cover is designed to protect photographers from claims of professional mistakes, negligence or breach of confidentiality.

Public liability cover's purpose is to protect photographers against claims of causing an injury or property damage.

The basic elements of both covers are reimbursement of any defence legal costs and a compensation payout if you're found liable.

Suited approach goes beyond those key elements. Suited brings to the table a legal team provided by an international law firm experienced in defending professional indemnity claims.

Their work is paid for by your insurers but the legal team will represent you during a claim situation. Right from the very beginning so that the matter is handled correctly, swiftly and hopefully brought an early closure.

The legal team will also liaise with you insurers so that you don't have to. If there's a compensation agreed, it will be taken care of. There will be nothing for you to pay.

Cancelling public liability and professional indemnity insurance for photographers

You can cancel your public liability insurance when you no longer need it. If a claim arises from the period during which you held insurance, you should be covered.

Remember that when it comes for professional indemnity insurance, it's not the same.

You're only covered if a) you have an active policy in place when a claim is made against and b) either the start date or retroactive date of your policy fall before the situation that has led to the claim.

A camera, a mobile phone, a laptop and a banana

Therefore if you're taking a break or might be thinking of winding up your business, having your professional indemnity insurance for photographers in place for some extra time might be wise.

With Suited you can choose to hibernate your PI cover which means paying less going forward while staying covered for your past work.

Choosing limits

Select the right level for your photographers liability insurance.

Public liability and professional indemnity insurance for photographers is rarely a contract condition therefore the decision what limits to buy for each of these covers needs to be based on the type of work you undertake, who for, who with, and where.

For example if you're working with celebrities or well known persons, your risk of being sued is higher and so is the possible payout. On the other hand if you're a nature photographer and never meet anyone during the course of your work, you probably don't require the highest limit the market can offer.

The location of your work is also important. For example Ireland is a very litigious country. If your work takes you around the world, be aware of what impact that could have if you make a mistake or cause damage.

Is your work time sensitive? In other words would your client suffer financially if you don't deliver on time?

These are all the questions you should ask yourself before selecting a limit. The temptation is to go for a lower limit because it's cheaper but the cost of litigation can easily run into hundred of thousands and if there is a compensation to pay on top of that, will the policy limit be enough?

Business legal protect
Included with your insurance

When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance
Price

How much does photographer insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.

examples

Business activity

Photographer
from

£12.17

per month
from

£22.21

per month
from

£36.20

per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.

£250,000
£500,000
£1,000,000

Business Legal Protect

A commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

Included
with professional indemnity
Included
with professional indemnity
Included
with professional indemnity

Public liability

Defends your business against legal threats from third parties claiming you’ve caused them injury or property damage. Suited PL cover also pays compensation if due.

£500,000
£1,000,000
£2,000,000

Electronic business equipment

Protects your business against costly repairs or replacement costs of electronic business equipment and accessories that you own or hire to do your job.

-
£2,500
of equipment
£7,500
of equipment
Get a price
Answer 4 questions then select the policies and limits you need.
FAQs

Common questions

Do photographers need public liability insurance?

It is a useful cover to have if you work with members of the public or at third party properties. Any injury or damage you cause could end up in a claim against you.

If I subcontract work to another photographer, will it be covered by Suited professional indemnity insurance?

Yes, any work by bonafide subcontractor of your business is covered but do not waive your right to hold your subs liable and they should have PI insurance in place as well.

What is the difference between professional indemnity and public liability cover?

PI insurance protects you against financial claims as a result of professional mistakes while public liability defends you if you have accidentally caused an injury or property damage.

How is the cost of Professional Indemnity insurance for photographers calculated?

At Suited we only take into account your annual turnover, that's it. We do not charge per person.

Can I cancel my photographers insurance anytime?

Yes, Suited insurance works on pay as you go basis.

Do wedding photographers need insurance?

With the cost of weddings sky high, the expectations on a wedding photographer is to safely capture every moment and deliver amazing results. What would happen if you failed or caused damage or injury spoiling the event?

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

No longer need us? Cancel anytime, no more to pay.

Testimonials

Professional service and a peace of mind

My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was super efficient

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

I was looking for business insurance…

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote in minutes.

Piers Field
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